De Novo Services
The Right Partner Makes All The Difference
As a De Novo Bank, you have enough to do, without having to worry about whether or not a correspondent is going to perform consistently and be there when you need them most.
For nearly 30 years, TIB has assisted hundreds of De Novo banks and organizers with everything from escrow services to stock loans to operational solutions.
To TIB, you are more than just a customer or prospect. We believe you are the heartbeat of your community and of the industry we share. It is for that reason that we offer a De Novo Assistance Program that is second to none.
Escrow Services
We provide a standardized escrow agreement along with daily account information delivered on a timely basis, via secure e-mail, once your escrow account is established.
Lending Assistance
Our seasoned lenders can provide you with assistance on Organizational Loans that is unmatched. Whatever your lending needs, chances are we can assist. In addition, TIB may be able to warehouse quality credits on your behalf, while your bank is in organization.
Fed Funds
De Novo banks receive Premium Pricing on Fed Funds sold to TIB during your first year of operation. This applies to Fed Funds sold to TIB as both Principal and Agent.
Electronic Banking
TransCom is your hub for communication with virtually every department within TIB. Start-up banks will receive TransCom FREE of charge for your first six months of operation.
Wire Transfer
Your institution will receive significant discounts on domestic and international wires for the first six months of operation. See your TIB Representative for details.
Check Clearing/Remote Deposit Capture
TIB will provide you with forward presentment of your non-image Cash Letter items. In addition, you will receive a significant discount on the start-up cost for Remote Deposit Capture.
Investment Services
TIB will provide your new bank with FREE Safekeeping and Bond Accounting services for the first six months of operation. We will also provide you with our state of the art A/L Management solution, ALX, for 50% off during the first year of operation.
Card Services
With more than 1.3 million cards in circulation, TIB offers one of the nation's largest and most successful community bank card programs. In fact, 1 out of every 6 community banks in the U.S. relies upon TIB for at least one of their card products. For De Novo banks, we will waive start-up fees for all Card Programs during the first six months of operation.
Monthly Check-Ups
As your "Trusted Partner", TIB is committed to remaining beside you on the way - and long after - you reach profitability. During your first year of operation, your TIB Representative will contact you monthly or more often, depending on your needs.
Simply put, no other correspondent provider is more committed to helping your bank become and stay successful. Contact our De Novo Services Center today for more information and to find out how TIB can assist you in getting your bank started.
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